Contact Ray Ferguson
Bay Equity LLC. Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965; NMLS ID#76988 Alabama Consumer Credit License #22011; Arkansas Combination Mortgage Banker-Broker Servicer License #101024808; Arizona Mortgage Banker License #0910340; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077 ; Colorado Mortgage Company Registration #76988; Florida Mortgage Lender Servicer License #MLD1014; Georgia Residential Mortgage Lender Licensee #39887; Hawaii Mortgage Loan Originator Company License #HI-76988 | Hawaii Mortgage Servicer License #MS139; Idaho Mortgage Lender Broker License #MBL-7852; Illinois Residential Mortgage License # MB.6761094 and #6850059; Bay Equity Home Loans, 28 Liberty Ship Way, Suite 2800, Sausalito, CA 94111-4516, Illinois Residential Mortgage Licensee; Indiana DFI First Lien Mortgage Lending License #27854; Kansas-licensed Mortgage Company, Kansas Mortgage Company License #MC.0025218; Louisiana Residential Mortgage Lending License #76988; Michigan 1st Mortgage Broker/Lender/Servicer Registrant License/Registration #FR0019946, Michigan 2nd Mortgage Broker/Lender Registrant License/Registration #SR0019969; Minnesota Residential Mortgage Originator License #MN-MO-76988.1. Minnesota Residential Mortgage Servicer License #MN-MS-76988.2; 800 E. 101st Terrace, Suite 350, Office 347 Kansas MO 64131, Company Registration #18-2375; Montana Mortgage Lender License #76988; North Carolina Mortgage Lender License #L-168181; North Dakota Money Broker License #MB102667; Nebraska Mortgage Banker License; New Mexico Mortgage Loan Company License; Nevada Mortgage Broker License #3918; Licensed as a Mortgage Lender by the Oklahoma Department of Consumer Credit. Oklahoma Mortgage Lender License #ML002582; Licensed under Oregon Mortgage Lender License #4845; South Carolina BFI Mortgage Lender/Servicer License #MLS-76988, OTNN#1; South Dakota Mortgage Lender License #ML.05120; Tennessee Mortgage License #119622; Texas SML Mortgage Banker Registration #76988 . Texas Recovery Fund notice, Click Here: https://texreg.sos.state.tx.us/fids/201203137-2.pdf ; Utah DRE Mortgage Entity #7953347, #8895148, #8895149; Washington Consumer Loan License #CL-76988; NMLS ID#76988, click here: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988; Wisconsin Mortgage Banker License #76988BA; Wyoming Mortgage Lender/Broker License #2558 | NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988
About Ray Ferguson
The Chula Vista branch of Bay Equity Home Loans has always had a “customer first” approach. Our office is in the heart of downtown Chula Vista, but we serve the entire Southwestern region. Whether you are buying a new home or refinancing, our intent is to ensure your experience is special and exceptional. My entire team brings a wealth of knowledge, experience and expertise in this forever changing housing and mortgage market. We live and work in this community and take pride in what we do and how we do it. One of the most important things in purchasing a home or refinancing is making sure you fully understand each step along the way. Our approach is simple, if you’re satisfied, we’re satisfied. With over 20 years’ experience in the mortgage industry, we take pride knowing we help families realize their dream of home ownership. Each customer has a unique situation and we will explore the many options for financing and together determine the best direction for you and your family. Bay Equity Home Loans is family owned and operated. Since Bay Equity is a direct lender, all lending decisions are made in-house. We know each loan we touch is someone’s home and we know how important it is to you. Bay Equity is a leader in the mortgage lending, financing and home loan business. We offer a wide array of lending programs. Let us help you achieve your dreams and goals starting today. Apply on-line, or contact me to set up an appointment. I look forward to hearing from you.